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Kamlesh Kumar

Senior Banker Having 19 Yrs Plus Experience In Retail Assets & Liability Seeking Intimidate Opportunity
  • Kolkata, West Bengal, India
  • Team Management, Credit Analysis, Operations Management
Profile Snapshot
Kamlesh is based out of Kolkata & has studied General Economics, M.A-Master of Arts from Year 1992-1994 in JCC-Jamshedpur Cooperative College, Kolhan University.
Kamlesh Kumar is Skilled in Team Management, Credit Analysis, Operations Management and other talents.
My Story
A result oriented professional Banker with around 19 years plus of experience including 02 years in Retail Liability –Operations. My last assignment was as Senior Manager & Head - Business Banking at Axis Bank Ltd from where I have signed off in March’2015. Presently, attached with a START UP engaged in Retail Lending (NBFC)Business.
Possess overall knowledge of Business Development-Sales & Marketing with specific responsibility of appraisal of credit proposals. Proficiency in managing branch
Professional Path
HEAD (AGM)-CREDIT & BUSINESS DEVLOPMENT
START UP-LOANWALA
Full Time Oct-2015 To present (9 years 10 months)
Responsibilities
  • Business Development, Expansion of Branch,Credit underwriting,Recruitment & Training of staff-back end and Field,Lionizing with external agencies related to business.
SENIOR MANAGER & HEAD-BUSINESS BANKING-SALES & OPS
Full Time Jun-2013 To Mar-2015 (1 year 9 months)
Responsibilities
  • • Maintaining coordination & liaison with mid corporate and small client/individuals, HNI for CMS services, looking after zero error in realization of proceeds of the client under CMS.
    • Interfacing with potential customers and stake holders to understand the technical requirements of System integration for TBG Products; with special emphasis on Commercial bank clients.
    • Establish working relationship with peer group and internal clients by effectively coordinating with IT Team, vendors and client for customization in system as per requirements and ensure adherence of SLA.
    • Identify potential risk areas and ensure implementation of effective control.
    • Continually look for improvement in process and controls within functional areas.
    • Leading, training & monitoring Branch sales team to sale the CMS products to Branch customers in form of cross selling.
    • Ensure optimum utilization of available resources b
SENIOR MANAGER-RETAIL ASSETS & BRANCH LIABILITY BUSINESS
Full Time Jul-2011 To May-2013 (1 year 10 months)
Responsibilities
  • • Managing Branch portfolio i.e. CASA and Loans .
    • Ensuring that the Branch adheres to KYC and AML.CRL (Cash Retention Limit) norms all the time.
    • Ensure effective service standards are met at the Branch with cent per cent resolution of the customer service within the stipulated TAT.
    • Leading the Branch team and extending support in their learning and development, knowledge of product and services of the bank in order to have best customer service and minimize customer’s complaints.
    • Responsible for dealing with internal auditors and other external agencies with respect to compliance of laid down guidelines and getting their support for seamless business operations.
    • Identifying and quantifying credit risks, implement measures to minimize risks within an independent decision unit to ensure an objective view and decision on credit request and credit exposure. This requires researching the possible areas of business development to promote various
ZONAL CREDIT MANAGER-RETAIL ASSETS
Full Time Jun-2008 To Jun-2011 (3 years )
Responsibilities
  • • Responsible for administering activities related to credit and review of retail loans done by branches & RAC of the eastern zone; oversaw RAC under control of zone for all sales and credit related issues.
    • Liaising and coordinating wm Builders & Developers, Valuer, Legal eagles with respect to credit related issues.
    • Responsible for advising the senior management for incorporating or bringing required changes in credit parameters related to various products in alignment of Bank’s credit policy.
    • Responsible for proper co ordinations with operations and recovery team and get their feedback about practices and policies of the credit being followed and its bearing on their functioning.
    • Imparting training of RACs and branch's concerned officials related to the business of retail assets regarding basics and mandatory requirements during acquisition of assets business in order to minimize rejection.
    • Ensuring TAT
DY.MANGER-SALES /MANAGER & CENTER HEAD-RETAIL ASSETS
Full Time Mar-2004 To Jun-2008 (4 years 3 months)
Responsibilities
  • • Playing a pivotal role in generating Retail Loans like Home Loan, Personal Loan, Auto Loan, Loan against Property, Business Loan, Education Loan, etc.
    • Instrumental in monitoring product and its sales to appropriate targets and marketing of new product of the bank; led dedicated team of DSTs.
    • Supporting FI and Collection Agencies; administering activities related to credit appraisal of the Retail Loans application and conducting credit interviews. Credit Risk Analysis and Risk rating assessments.
    • Actively involving in corporate tie up for Retail Loans products.
    • Successfully achieving budgetary targets; coordinating with various organizations to explore the possibilities of corporate tie up for retail loans to their employees and patrons of business of the bank while acting as a facilitator.
    • Coordinate and monitor recoveries of NPAs, initiation of follow up of hard bucket cases and resolve cases of written off accounts.
ASST MANAGER-SALES /DY MANAGER & AREA HEAD-ASSETS FINANCE
CENTURION BANK LTD
Full Time Aug-1997 To Feb-2004 (6 years 6 months)
Responsibilities
  • • Entrusted with the responsibility of generating Retail Loans and maintaining proactive relationship with product partners especially dealers of auto & two wheelers.
    • Developed new locations for business and building sales network; rendered functions of recruiting, developing and motivating team of Sales Agents; ensured credit quality and approval of credit, coordinated with marketing, F.I. agencies.
    • Pivotal in providing excellent customer service like attending & resolving their general / specific banking queries.
    • Facilitating a team approach to achieve organizational objectives, increase productivity & developed employee morale.
    • Spearheaded efforts handling entire gamut of functions pertaining to administrative activities such as delivery of services team and ensured unparallel customer service in the location.
    • Shouldered responsibility of managing receivables and its control; coordinated with Collection Agencies
ASST BRANCH MANAGER
SHRIRAM TRANSPORT FINANCE & INVESTMENT CO LTD
Full Time Jan-1995 To Jul-1997 (2 years 6 months)
Responsibilities
  • AS MENTIONED IN ATTACHED CV
Qualifications
Master of Arts, General Economics
Jamshedpur Cooperative CollegeKolhan University
1992-1994 | Score 60%
Other, Marketing
Department of Business ManagementRashtrasant Tukadoji Maharaj Nagpur University
1990-1992
Extra-Curricular Interests
  • Reading Magazine and Periodicals
  • Newspaper
  • Watching Though Provoking Programmed on Television
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